Search found 5697 matches

by HueyLD
Thu Jun 21, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: MIL passed- question about her Social Security
Replies: 22
Views: 2452

Re: MIL passed- question about her Social Security

Thank you to everyone who responded. Her first husband was a short marriage and he went on to re-marry another 5 times- so it wouldn’t apply to him anyways. I think I will sit and look into this more for him and see if we can get the survivor benefit for him at 60 so we can delay his own until a mo...
by HueyLD
Wed Jun 20, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Missed RMD - IRS penalty waiver process?
Replies: 12
Views: 898

Re: Missed RMD - IRS penalty waiver process?

Direct advice from the IRS: "Do respond to a disputed notice. If a taxpayer does not agree with the IRS, they should mail a letter explaining why they dispute the notice. They should mail it to the address on the contact stub at the bottom of the notice. The taxpayer should include information and d...
by HueyLD
Wed Jun 20, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 57
Views: 3114

Re: Surprise - Costco sells - but does not install vehicle batteries

Costco Tire Center's tasks are extremely limited. In my area, they install new tires, perform rotation, balancing and puncture repairs. That's about it. They don't do alignments that are critical to keep the tires wear even. In my area with subpar road condition, annual alignment is a must and many ...
by HueyLD
Wed Jun 20, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 13
Views: 797

Re: iPad/iOS - feature or bug?

Interesting. I don't have that problem with my 5th Gen. iPad.

The latest iOS version is 11.4.
by HueyLD
Wed Jun 20, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Temporary Residency Tax Deduction for Surgical Fellowship
Replies: 5
Views: 266

Re: Temporary Residency Tax Deduction for Surgical Fellowship

jebmke wrote:
Wed Jun 20, 2018 8:15 am
pshonore wrote:
Wed Jun 20, 2018 7:57 am
2018 tax reform eliminated the deduction for unreimbursed employee business expenses if you're paid on a W2.
Line 21-28 on Schedule A pretty much gone entirely, right?
Line 28 items are still allowed.
by HueyLD
Tue Jun 19, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 118
Views: 6171

Re: gray hair

My BIL was in his 50's and had almost 100% gray hair. After being offered senior discounts repeatedly without asking, he decided to color his hair in order to regain his youthful appearance.
by HueyLD
Fri Jun 15, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3707

Re: I am STUNNED over how much help my friends recieved with house purchase!

Funny, sounds like you are envious and/ or jealous, but... that is okay. There is nothing wrong with wanting what someone else has that is human nature. The issue comes with denying your true feelings as it just eats you up (which is bad). I am sure you would LOVE to have someone write you a check ...
by HueyLD
Fri Jun 15, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 66
Views: 2548

Re: Job in MA, live in MA, RI, or CT?

B4Xt3r wrote:
Fri Jun 15, 2018 11:35 am
I find little value in the services that government offers and thus wish to keep the most of my paycheck as I can.
What does that mean? Could you please elaborate?
by HueyLD
Thu Jun 14, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2451

Re: Drive from Phoenix to San Diego

Except for San Diego, all the places you mentioned (PHX, Grand Canyon, Joshua Tree NP and Palm Springs) are very HOT in late June. O.k., maybe it is not so hot in GCNP.

I think you should just go straight to San Diego for June. Try to visit those hot places in the winter.
by HueyLD
Wed Jun 13, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about 2018 capital gains tax rules
Replies: 11
Views: 1294

Re: Confused about 2018 capital gains tax rules

Parthenon wrote:
Wed Jun 13, 2018 5:08 pm
HueyLD wrote:
Wed Jun 13, 2018 11:43 am
Raybo,

The exact amount is $77,200, not $77,000. You can find that amount in the actual Bill H.R. 1.

Good luck.
Actually, It's $77,400

Ed
Ed,

$77,200 is listed in the actual law passed. $77,400 is the top amount for the 12% regular tax bracket for MFJ.
by HueyLD
Wed Jun 13, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Confused about 2018 capital gains tax rules
Replies: 11
Views: 1294

Re: Confused about 2018 capital gains tax rules

Raybo,

The exact amount is $77,200, not $77,000. You can find that amount in the actual Bill H.R. 1.

Good luck.
by HueyLD
Mon Jun 11, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4359

Re: Water heater installation situation

Interesting. I didn’t know that wood platform for water heater could be against the code. I have lived in several states and each previous house had wood platform for the water heater. My current house has a 20-inch high metal platform to support the water heater. I guess the OP can call his city fo...
by HueyLD
Sun Jun 10, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Trad, RMDs and working pastt age 70 and 1/2
Replies: 12
Views: 1077

Re: TIAA Trad, RMDs and working pastt age 70 and 1/2

I called TIAA twice today just to double check the info. I was under the impression that once one reached age 70 and 1/2, required minimum distributions from TIAA Traditional had to start, whether employed or not (employed where the TIAA traditional employer-offered plan resides) Each time I called...
by HueyLD
Sat Jun 09, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard New Issue CD Commission?
Replies: 12
Views: 1065

Re: Vanguard New Issue CD Commission?

I’m a Vanguard Flagship level member. I recently purchased several new issue CD’s through the Vanguard website. My purchase confirmation notification indicated “New Issue” CD’s. Checking my account several days later, I noticed Vanguard charged a commission on each one. I will call Vanguard Monday ...
by HueyLD
Sat Jun 09, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11131

Re: Are you including SS in your planning model? Are the benefits really that high?

I have never considered SS for retirement funding because the money may be substantially less due to fiscal challenges.

As a result, I worked hard, lived below my means and saved a good portion of my income for retirement.
by HueyLD
Sat Jun 09, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: TreasuryDirect, savings bonds, annual limits, trust
Replies: 3
Views: 490

Re: TreasuryDirect, savings bonds, annual limits, trust

An individual can purchase up to $10,000 of EE bonds per year. A trust can purchase $10,000 per year. Can a married couple purchase $20k; and their revocable trust purchase $10k; and then the married couple transfer their bonds into their revocable trust without tax consequence? At the end, the tru...
by HueyLD
Fri Jun 08, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paper tax return filed at deadline - still no refund 7 weeks later
Replies: 25
Views: 1907

Re: Paper tax return filed at deadline - still no refund 7 weeks later

Are you expecting a tax refund from the IRS this year? If you file a complete and accurate paper tax return, your refund should be issued in about six to eight weeks from the date IRS receives your return. If you file your return electronically, your refund should be issued in less than three weeks...
by HueyLD
Fri Jun 08, 2018 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: EE bond registration
Replies: 4
Views: 428

Re: EE bond registration

I have some paper EE bonds that Grandma bought for the grandkids. They read like this: SSN: SSN of Minor Child To: Minor Child Mail To: Grandma @ address OR: Me Are these co-owned between me and child? I can't determine what the OR means in this case. I'd like to convert them to electronic on TD bu...
by HueyLD
Sun Jun 03, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 4971

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

The summer heat in PHX valley can be absolutely intolerable, especially for those who want to be outdoors. It could be in the 90's when you get up in the morning. Most people I know have to go to a gym for any reasonable exercise. If you can afford it, you can escape the heat for six months by going...
by HueyLD
Wed May 23, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Co-beneficiary on a bank CD: all beneficiaries must be present?
Replies: 9
Views: 820

Re: Co-beneficiary on a bank CD: all beneficiaries must be present?

It is the bank's policy. The reason they want all POD beneficiaries to be involved is to make sure that all of them are still alive and kicking. In addition, the bank wants to protect itself from potential lawsuits. You may want to sit down with an officer of the bank and explain your situation. May...
by HueyLD
Wed May 23, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Root canal/Crown for a tooth that was worked on 6 months ago.
Replies: 11
Views: 1182

Re: Root canal/Crown for a tooth that was worked on 6 months ago.

Since the new dentist has not earned the OP 's trust, I think it is a very good idea for the OP to get a second opinion from a dentist he appears to trust.

Best of luck to the OP.
by HueyLD
Tue May 22, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 30
Views: 2223

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

Any claim for tow, gas, battery jump or tire change shows up on CLUE report as a insurance claim if you use geico. Not sure what's a CLUE report, but i emailed Geico about that and they responded: When you use the service, it will not impact your premium. However, if the service is used more then 5...
by HueyLD
Tue May 22, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: both spouses not wait for SS ?
Replies: 26
Views: 3291

Re: both spouses not wait for SS ?

Yes, his benefit will be reduced if she claims before her FRA but continues to work and earns excess earnings. 404.415. Deductions because of excess earnings. (a) Deductions because of insured individual's earnings. Under the annual earnings test, we will reduce your monthly benefits (except disabil...
by HueyLD
Tue May 22, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard iPad App
Replies: 7
Views: 1042

Re: Vanguard iPad App

I tried out their iPad app and was thoroughly underwhelmed with the app. So, I deleted the app.
by HueyLD
Mon May 21, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1612

Re: Medicare and Cataract surgery - one or two charges?

Did anyone go with premium lenses and paid an additional $2,000 - $3,000 per eye? Note that the additional cost is not covered by insurance. I went with toric lenses because of acute astigmatism in both eyes. They were expensive. So did I. $900/eye. Best $1800 I ever spent in my life. $900 per lens...
by HueyLD
Mon May 21, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1612

Re: Medicare and Cataract surgery - one or two charges?

As a doc, I prefer to keep things as simple as possible. So I went with the basic lenses. I used a private ophthalmologist rather than a cataract mill, and he told me well over 90% went with standard monofocal lenses, and that's what he would choose for himself. I have been looking for those who ch...
by HueyLD
Mon May 21, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1612

Re: Medicare and Cataract surgery - one or two charges?

Did anyone go with premium lenses and paid an additional $2,000 - $3,000 per eye? Note that the additional cost is not covered by insurance.
by HueyLD
Mon May 21, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1612

Re: Medicare and Cataract surgery - one or two charges?

One eye at a time.

Two separate surgeries.
by HueyLD
Sun May 20, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts and Bank Accounts
Replies: 17
Views: 1237

Re: Trusts and Bank Accounts

Sport,

I think you need a new bank.
by HueyLD
Mon May 14, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.
Replies: 24
Views: 1290

Re: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.

Q: Can I have more than $250,000 of deposit insurance coverage at one FDIC-insured bank? A: Yes. The FDIC insures deposits according to the ownership category in which the funds are insured and how the accounts are titled. The standard deposit insurance coverage limit is $250,000 per depositor, per...
by HueyLD
Mon May 14, 2018 6:43 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11591

Re: The front page is ugly

Most of this forum looks professional and well maintained. But the front page has some kind of text-based forum preview from the early 90s. This should really be changed. I know the current front page may be useful to some users, but shouldn't it be placed elsewhere? This website should put its bes...
by HueyLD
Sun May 13, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Why did Capital One 360 say my cell phone couldn't be verified?
Replies: 9
Views: 1048

Re: Why did Capital One 360 say my cell phone couldn't be verified?

Non prepaid phone plans require an SSN and such info is reported to credit bureaus. However, prepaids don't ask for SSN. I think the phone verification process goes thru a credit bureau to validate your phone number, not the carrier. So, a prepaid phone or a credit freeze can cause verification prob...
by HueyLD
Sun May 13, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Bogleheads® Wiki 2018 annual report - Happy Tenth Anniversary!
Replies: 9
Views: 753

Re: Bogleheads® Wiki 2018 annual report - Happy Tenth Anniversary!

Thank you so much, LG. You are the queen of BH wiki.

Best wishes and Happy Mother's Day.
by HueyLD
Fri May 11, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: "Patient paid amount" for month of death in nursing home?
Replies: 33
Views: 3932

Re: "Patient paid amount" for month of death in nursing home?

I'm not sure if anybody will know the answer to this, but I figured I would give it a shot. Sadly, my grandmother passed away at the age of 102 in March. She had been living at a nursing home nearby. Each month her room and board were paid for out of her social security ("patient paid amount" or "P...
by HueyLD
Thu May 10, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Amazon package that can't be traced
Replies: 72
Views: 4099

Re: Amazon package that can't be traced

Well, I am still waiting for my mysterious package to arrive. Hopefully I will get the stuff I like and of the right size. :)
by HueyLD
Thu May 10, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5686

Re: What's the view on dogs running free?

No kidding about the fear from being attacked by a "friendly" dog. I still have a physical scar and a mental scar from a similar attack when I was about your daughter's age.
by HueyLD
Thu May 10, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Any issues with upgrading Vanguard taxable account to brokerage?
Replies: 19
Views: 1775

Re: Any issues with upgrading Vanguard taxable account to brokerage?

livesoft wrote:
Thu May 10, 2018 12:03 pm
My spouse is not retired, so that's what's wrong with that answer.
Well, sir, it is up to her to come up with something if she wants a brokerage account.
by HueyLD
Thu May 10, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Any issues with upgrading Vanguard taxable account to brokerage?
Replies: 19
Views: 1775

Re: Any issues with upgrading Vanguard taxable account to brokerage?

My spouse started the upgrade process, but then they asked about employment and she said, "None of Vanguard's business!", so stopped the process. So that's one issue. There is a legitimate reason for asking about employment because certain employment can preclude one from opening a brokerage accoun...
by HueyLD
Thu May 10, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 9590

Re: Warning: avoid Windows 10 update 1803

Microsoft used to just do monthly updates without the semiannual total makeover of Windows operating system. Does anyone know why they decided to do massive updates every six months nowadays?
by HueyLD
Thu May 10, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5686

Re: What's the view on dogs running free?

The lawsuit if a neighbor dog bites somebody while escaped on my property...really? I guess that's what umbrella is for. I'd just turn around and sue the dog owner. So I'm not off base expecting them to constrain their dog. That was really the question. I will add they only let them run like this w...
by HueyLD
Thu May 10, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 9590

Re: Warning: avoid Windows 10 update 1803

You can set either wired or wireless connection as a metered connection.

My data cap is so high that I have no need to do so. But it is nice to know that such an option exists.
by HueyLD
Wed May 09, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Pay Pal customer support
Replies: 4
Views: 387

Re: Pay Pal customer support

Https://www.paypal.com/us/smarthelp/contact-us


PayPal Customer Service
1-888-221-1161
1-402-935-2050 (if calling from outside the U.S.)
by HueyLD
Wed May 09, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5686

Re: What's the view on dogs running free?

They probably figure its less annoying to you to just go get the dog than to knock on your door then go get the dog. Its one of those things where yes they should have better control of the dog but no its not worth bringing up. EDIT: to the posters below me, calling animal control to have to dog im...
by HueyLD
Wed May 09, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5686

Re: What's the view on dogs running free?

It wont stop bothering you regardless of replies here. Put up a fence. I don't want a fence. Our neighbors on either side don't have a fence an we like the openess. The doggy lives two homes down. Call your city/town government office and inquire about any leash policy. it is possible to call the c...
by HueyLD
Wed May 09, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 7192

Re: Gold ball cracked my house window. Do I have any recourse?

Before I bought my current house, I investigated the liability for such incidents.

And the answer got me to buy in a neighborhood without an adjacent golf course.

The OP needs to check with his HOA or the CC&Rs.
by HueyLD
Tue May 08, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1166

Re: annualcreditreport

randompacking wrote:
Tue May 08, 2018 8:12 am
has anyone tried to do more than 3 per year through the annualcreditreport website?
I requested one on the 364th day by mistake and the credit bureau was much smarter than I was.
by HueyLD
Sun May 06, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4784

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

Unless the OP or his wife is a dual citizen, it may be very difficult for someone with an American passport to open an account overseas. The reporting requirements are such that American citizens are not very welcome by foreign financial institutions.
by HueyLD
Sun May 06, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 9590

Re: Warning: avoid Windows 10 update 1803

I always pray before any update is started. Sigh..... I always do backup before any big update. The problem is that when they trigger one like that automatically you may not have done a backup recently. I back up files regularly, but MSFT updates always make me uncomfortable. I bought a new HP lapt...
by HueyLD
Sun May 06, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 9590

Re: Warning: avoid Windows 10 update 1803

I am sure there is a business reason, but MSFT didn't use to do a complete operating system update every spring and every fall.

I always pray before any update is started. Sigh.....